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Upturn AI SWOT - About
OSBC 
Old Second Bancorp Inc (OSBC)
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Upturn Advisory Summary
08/28/2025: OSBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $21.75
1 Year Target Price $21.75
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 975.61M USD | Price to earnings Ratio 10.13 | 1Y Target Price 21.75 |
Price to earnings Ratio 10.13 | 1Y Target Price 21.75 | ||
Volume (30-day avg) 6 | Beta 0.81 | 52 Weeks Range 14.04 - 19.32 | Updated Date 08/28/2025 |
52 Weeks Range 14.04 - 19.32 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 1.24% | Basic EPS (TTM) 1.83 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.67% | Operating Margin (TTM) 42.56% |
Management Effectiveness
Return on Assets (TTM) 1.47% | Return on Equity (TTM) 12.51% |
Valuation
Trailing PE 10.13 | Forward PE 8.6 | Enterprise Value 963647168 | Price to Sales(TTM) 3.46 |
Enterprise Value 963647168 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 3.7 | Enterprise Value to EBITDA - | Shares Outstanding 52650400 | Shares Floating 50571248 |
Shares Outstanding 52650400 | Shares Floating 50571248 | ||
Percent Insiders 4.73 | Percent Institutions 63.52 |
Upturn AI SWOT
Old Second Bancorp Inc
Company Overview
History and Background
Old Second Bancorp Inc. was founded in 1871 in Aurora, Illinois. It has grown from a single local bank to a multi-bank holding company providing financial services throughout northern and central Illinois and southeastern Wisconsin. Old Second has expanded through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of loan and deposit products for businesses, including commercial real estate loans, lines of credit, and treasury management services.
- Retail Banking: Provides consumer banking services such as checking and savings accounts, mortgage loans, and personal loans.
- Wealth Management: Offers trust and investment management services to individuals and institutions.
Leadership and Structure
James Eccher is the CEO of Old Second Bancorp Inc. The company operates with a traditional banking organizational structure, with departments focused on lending, retail banking, wealth management, and operations. The holding company oversees the activities of its subsidiary banks.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: CRE loans constitute a significant portion of Old Second's loan portfolio. Market share data is not publicly available at the level of individual product lines. Competitors include other regional and national banks like BOH (Bancorp Hawaii), FHB (First Hawaiian Bank), and WAFD (Washington Federal).
- Mortgage Loans: Old Second offers various mortgage products to individuals. Market share data for specific geographic regions is difficult to ascertain and changes. Competitors include large national mortgage lenders and other regional banks like FHB (First Hawaiian Bank).
- Business Loans: Various term loan, real estate, and equipment lending options. Market share data for specific geographic regions is difficult to ascertain and changes. Competitors include large national commercial lenders and other regional banks such as WAFD (Washington Federal).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, potential economic slowdown, and increased competition from fintech companies. Regulations continue to play a crucial role in shaping the industry landscape.
Positioning
Old Second Bancorp Inc. operates as a regional bank focused on serving businesses and individuals in its geographic footprint. Its competitive advantages include its local market knowledge and established customer relationships.
Total Addressable Market (TAM)
The TAM for regional banking services in Illinois and Wisconsin is estimated to be in the tens of billions of dollars annually. Old Second's positioning allows it to capture a portion of this market, but exact figures aren't accessible without detailed market research. The TAM is competitive with national and local players.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diversified revenue streams (commercial, retail, wealth management)
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger national banks
- Reliance on traditional banking channels
- Higher expenses because of local retail strategy
- Sensitivity to interest rate fluctuations
Opportunities
- Expanding into new markets within its geographic footprint
- Adopting new technologies to improve efficiency and customer experience
- Acquiring smaller banks or credit unions
- Growing wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand and credit quality
- Rising interest rates affecting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- MBWM
- HBNC
- WAFD
Competitive Landscape
Old Second competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include its local market expertise and customer relationships. Disadvantages are from larger competitors that have economies of scale.
Major Acquisitions
West Suburban Bancorp
- Year: 2016
- Acquisition Price (USD millions): 170
- Strategic Rationale: Expanded Old Second's presence in the Chicago metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Old Second has experienced steady growth in recent years, driven by organic growth and acquisitions.
Future Projections: Analysts project continued growth for Old Second, driven by its strong market position and strategic initiatives. Growth is estimated to be between 5-8% per year for revenue and net income.
Recent Initiatives: Recent initiatives include expanding its wealth management business, investing in technology to improve customer service, and pursuing strategic acquisitions.
Summary
Old Second Bancorp Inc. is a stable, regional bank with a long history. Its strengths lie in its local market presence and established customer relationships, but it faces challenges from larger competitors and regulatory pressures. Recent initiatives should improve efficiency and growth. OSBC is positioned for continued, modest growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Investor Presentations, Analyst Reports, Market Data Providers
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old Second Bancorp Inc
Exchange NASDAQ | Headquaters Aurora, IL, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Chairman of the Board Mr. James L. Eccher | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 877 | Website https://www.oldsecond.com |
Full time employees 877 | Website https://www.oldsecond.com | ||
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company offers deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.
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